基于工商银行的网络银行三维监管体制构建研究

发布时间：2018-01-13 22:30

本文关键词：基于工商银行的网络银行三维监管体制构建研究　出处：《西华大学》2015年硕士论文　论文类型：学位论文

【摘要】：伴随着互联网技术的快速发展以及市场竞争的日益加剧,网络银行应运而生,近年来,网络银行以其“3A”服务(Anytime、Anywhere、Anyhow)及成本低等优势取得了突飞猛进的发展[1]。但是网络银行本身就是一把双刃剑,给人们带来了便利、推动了我国金融信息化建设,也带来我国金融发展的考验。由于网络银行的虚拟性、无界性,使得银行的监管方式、监管对象以及监管目标都发生了翻天覆地的变化。因此,为了保证我国金融环境的稳定性、实现我国金融信息化建设、增强我国国际金融竞争力,必须全面研究我国的银行监管体系,制定出适合网银特性的网络银行监管体系,提高网银监管的有效性,实现国家金融的宏观调控。因此,文章在分析了当前我国网络银行的监管现状及存在的问题的基础上,通过对各大网络银行国内国外发展影响力、交易规模以及先进性等进行比较分析,最终选定各方面都颇具代表性的大型国有股份制商业银行——工商银行网络银行为例,对网络银行的的监管主体、监管对象以及监管目标进行了分析研究。在此基础上构建了切实可行的“主体一对象一目标”式网络银行三维监管体制,并对该体制的运行机理进行了详细阐述,以期能给我国网络银行的监管工作提供理论与实践的参考。本文主要做了以下工作:首先,介绍了研究背景、意义、研究方法与理念;第二,介绍了与网络银行、银行监管以及网络银行监管的相关理论及前人研究成果;第三,介绍了工商银行网络银行的监管现状,厘清了当前网银监管存在的漏洞;第四,以工商银行网络银行为例,分析了网络银行监管的主体、对象以及目标;第五,在前文的理论基础上,围绕网络银行的政治、经济及社会三重目标,构建了以政治、经济和道德三者监管为主线的网络银行三维监管体制,并对该体制的运行机理进行了详细阐述,最后通过理论构建与企业实践的拟合度问题分析,证实了本文构建的网络银行三维监管体制具备现实匹配性。通过分析,作者认为,要实现网络银行的有效监管,首先要明确界定网络银行监管的主体及对象,厘清网络银行监管的目标;然后将三者结合,综合构建适合网络银行特性的监管体制,通过有效监管,促进网络银行健康发展,增强我国金融业的国际竞争力,实现我国金融行业的信息化。
[Abstract]:With the rapid development of Internet technology and the increasing competition in the market, the network bank emerges as the times require, in recent years, the network bank with its "3A" service is any time anywhere. Anyhowand its low cost advantages have made rapid progress. [But the network bank itself is a double-edged sword, has brought the convenience to the people, promoted our country finance information construction, also brought our country finance development test. Therefore, in order to ensure the stability of the financial environment of our country, we can realize the financial information construction of our country. In order to enhance the international financial competitiveness of our country, we must study the banking supervision system of our country comprehensively, formulate the network bank supervision system suitable for the characteristic of net silver, and improve the effectiveness of the supervision of network banking. Therefore, on the basis of analyzing the current situation and existing problems of the supervision of the network banks in China, the article develops its influence on the domestic and foreign countries through the analysis of the current situation of the supervision and control of the national financial system. The scale of the transaction and the advanced nature of the comparative analysis, and finally selected a representative of all aspects of the large state-owned joint-stock commercial bank-ICBC network bank as an example, the main body of the supervision of the network bank. On the basis of this, a feasible "subject-object-target" three-dimension supervision system of network bank is constructed. And the operating mechanism of the system is described in detail, in order to provide a theoretical and practical reference for the supervision of network banks in China. This paper mainly does the following work: first, introduced the research background and significance. Research methods and ideas; Secondly, it introduces the related theories and previous research results of network bank, bank supervision and network bank supervision. Thirdly, it introduces the current situation of the supervision of ICBC network bank, and clarifies the loopholes existing in the current supervision of Internet banking. 4th, taking ICBC as an example, analyzes the main body, object and target of network bank supervision. In 5th, on the basis of the previous theory, and around the triple goals of politics, economy and society, the three-dimension supervision system of network bank is constructed, which takes the supervision of politics, economy and morality as the main line. And the operating mechanism of the system is described in detail, and finally through the theoretical construction and enterprise practice of the fitness analysis. Through the analysis, the author thinks that in order to realize the effective supervision of the network bank, the main body and the object of the supervision of the network bank should be clearly defined. Clarify the objectives of network banking supervision; Then the combination of the three, comprehensive construction of a regulatory system suitable for the characteristics of network banking, through effective supervision to promote the healthy development of network banks, enhance the international competitiveness of our financial industry. To realize the informationization of our financial industry.
【学位授予单位】：西华大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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